Approach to a Characterization of Credit

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Dueñas-Peña Alex, Barbosa-Guerrero Lugo Manuel, Palacios Rozo Jairo Jamith

Résumé

As presented in the document, credit has been one of the sources of financing that has allowed society in general to promote leverage in terms of investment and working capital of companies, as well as support for the consumption of resources that allow the generation of quality of life for consumers. Thus, this is a chapter that presents a review of the literature with the purpose of recognizing aspects, actors, context, among others that contribute to the characterization of credit, thus showing the dynamics and the various variables that revolve around it. The literature reviewed addresses different expositions, such as the origin and diversity of elements associated with credit, such as money, the different socioeconomic actors, as well as the public policies for its supply and consumption. It was identified that credit is based on trust, and at the end of the 20th century, microcredit began to be shown as a type of credit, besides the traditional ones as consumer, commercial and mortgage, with the aim of achieving small loans to the low-income population that has restricted access to loans from ordinary banks, so it is considered as a strategy of coverage and financial inclusion.

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